Flores

FILED & ENTERED

JUN 15 2023

CLERK U.S. BANKRUPTCY COURT

C Be Yn f t ir s a h l e D r li s t r i c Dt E o Pf UC Ta Yli f Cor Ln Eia RK

UNITED STATES BANKRUPTCY COURT

CENTRAL DISTRICT OF CALIFORNIA

SAN FERNANDO VALLEY DIVISION

In re: CHAPTER

Luis Angel Flores Case No.: 1:20-bk-11873-MB Adv No: 1:22-ap-01026-MT

Debtor(s). 16 Luis Angel Flores MEMORANDUM OF DECISION AFTER TRIAL Plaintiff(s), v. Date: May 16, 2023; May 24, 2023 Time: 10:00 a.m. Evelyn Gonzalez, Calzadilla Antonio Courtroom: 302 Marco

21 Defendant(s).

23 This is a Chapter 13 case where the debtor, Plaintiff Luis Angel Flores (“Flores” 24 or “Plaintiff”), has brought a declaratory judgment action against two creditors for whom 25 he executed promissory notes secured by Deeds of Trust against his home. The operative facts…